If you’re struggling financially and not on benefits already, you may be eligible to apply for both of the following:

1. Council Tax Support: This is a type of benefit that reduces the amount of council tax you need to pay. The discount you’re entitled to is worked out by looking at your income and your individual circumstances. Find out more about Council Tax Support and if you think you're eligible, make a claim. 

2. Universal Credit: If you’re not claiming benefits at the moment and you’re now unable to work or your income has dropped, as long as you fit the criteria, you can apply for Universal Credit. The Department for Work and Pensions (DWP) manages this so you will need to apply online at gov.uk or if you need help call them on 0800 328 5644. You do not need to go to the job centre and you can receive an advance payment from DWP.

3. Contributions-based benefits: If you have recently lost your job, you may also be eligible for contributions-based benefits – Job Seeker's Allowance or Employment Support Allowance – which you can apply for at gov.uk. Your eligibility will only depend on your National Insurance contributions – the amount you have in savings and/or your partners’ income won’t be taken into account. Please use a benefit calculator to help you.

If you are struggling financially, please get in touch by calling us on 020 7974 4444 (option 9). Alternatively, you can contact one of the organisations in Camden Advice Network, a group of local organisations who provide advice and support on a range of issues including money worries and debt. 

The following organisations will be able to advise you:

Advice for council tenants:

If you’re a council tenant and are worried about paying your rent, council tax or bills, speak to your neighbourhood housing officer as soon as possible. 

If you are still able to pay your rent, council tax and bills, you should pay as normal. We really don’t want any of our tenants to build up debt, and we need to carry on collecting rent so we can keep looking after you and keep all of our housing services running. For questions about rent, other bills or any other concerns, you can call your neighbourhood housing officer on 020 7974 4444 (option 3 then 5).

Advice for leaseholders:

If you're a leaseholder and you think you will have difficulty paying your service charge or major works invoices, we are here to help. Please email leaseholder services at leaseholderservices@camden.gov.uk or call 020 7974 3559.

Advice for private renters:

If you are a private renter and you’re struggling to pay your rent, speak to your landlord first. They might agree to a rent reduction or accept a late payment to your rent. Get any agreement in writing. You might also be eligible for Universal Credit. If you are already receiving Universal Credit or Housing Benefit you can apply to the Council for a Discretionary Housing Payment.

For help and advice, contact the Homelessness Prevention Team on 020 7974 5801 (9am-5pm, Monday-Friday).

Advice for home owners:

If you’re a home owner and struggling to pay your mortgage, please call your mortgage provider to find out what support is available.